Worry-free admission Affordable expense
Worry-free admission Affordable expense
Key Benefits
Free from worries when admitted into hospital
Protected by coverage for medical expenses
Peace of mind for your medical expenses
As charged* as many times as possible per year
Feel confident with extra coverage
For Dialysis, Radiotherapy, and Chemotherapy
Easy to Apply
No health examination and only answer 5 short health questions
Additional Information
Coverage and Benefits
|
Benefit Table |
Plan 1 |
Plan 2 |
|
AIA Term 85 (Non Par) |
|
|
|
Death benefit
|
80,000 baht |
80,000 baht |
|
AIA e-Smart Health Rider |
|
|
|
Coverage plan
|
30,000 baht |
60,000 baht |
|
||
|
Group 1 Hospital daily room & board, food and hospital service charges (in-patient) per confinement. In the event of ICU, such benefit will be paid for hospital daily room & board, food and hospital services charges (in-patient) at 2 times the rate of the Hospital daily room & board benefits, food and hospital service charges (in-patient) combined not exceeding 60 days. |
2,000 baht (must not (exceed 180 days)
|
3,000 baht (must not exceed 180 days)
|
|
Group 2 Fees for medical services, diagnosis, treatment, blood services, nurse services, medicine, intravenous nutrition and medical supplies per confinement |
||
|
2.1 Medical service fee for diagnosis |
30,000 baht per confinement including benefits in Group 1-6.1,7,12 and 13 |
60,000 baht |
|
2.2 Treatment of medical services, blood services and nursing services |
||
|
2.3 Medicine, intravenous nutrition and medical supplies |
||
|
2.4 Medicine and medical supplies (medical supply 1) for take-home needs (maximum 7 days) |
||
|
Group 3 Fees for medical professional services (physician), examination, physical services per confinement |
||
|
Group 4 Fees for surgery and procedures per confinement |
||
|
4.1 Operating or medical procedure room |
30,000 baht per confinement including benefits in Group 1-6.1,7,12 and 13 |
60,000 baht |
|
4.2 Medicine, intravenous nutrition and medical supplies and surgical devices |
||
|
4.3 Medical professional services, physician (and assistant) fees for surgery & procedures (Doctor fees) |
||
|
4.4 Physician fees - Anaesthesiology (Doctor fees) |
||
|
4.5 Organ transplantation |
||
|
Group 5 Day surgery |
||
|
||
|
Group 6 Fees for diagnosis from directly related treatment before and after IPD treatment or OPD treatment directly related to IPD treatment per confinement. |
||
|
6.1 Fees for diagnosis from directly related treatment within 30 days before and after any IPD treatment |
30,000 baht per confinement including benefits in Group 1-6.1,7,12 and 13 |
60,000 baht |
|
6.2 Fees for OPD treatment after any IPD treatment or continuous treatment within 30 days after that IPD treatment (excluding fees for diagnosis) |
No coverage
|
No coverage
|
|
Group 7 Fees for OPD treatment of injury within 24 hours of each accident |
30,000 baht per confinement including benefits in Group 1-6.1,7,12 and 13 |
60,000 baht |
|
Group 8 Post-treatment rehabilitation per time per policy year |
No coverage |
No coverage |
|
Group 9 Fees for physician performing treatment of chronic renal failure dialysis intravenously per policy year |
30,000 baht per policy year including benefits in Group 9-11 |
60,000 baht |
|
Group 10 Fees for physician performing tumour or cancer radiation therapy, interventional radiology, or nuclear medicine-therapeutic per policy year |
||
|
Group 11 Fees for physician performing chemotherapy including targeted therapy per policy year |
||
|
Group 12 Emergency ambulance service fees |
30,000 baht per confinement including benefits in Group 1-6.1,7,12 and 13 |
60,000 baht |
|
Group 13 Minor surgery |
||
Notes: If the Insured is injured due to an accident and dies from the injury sustained in that accident within 180 days from the date the accident occurs.
Death Benefit of AIA Term 85 (Non Par)
While the policy is in force and has not been converted to ETI according to the right of policy value as indicated in the policy, the Company shall pay death benefit up to the highest amount among the following:
- Sum assured as indicated in the policy or endorsement (if any)
- Cash surrender value
- Total paid premium amount that the Company has received
If the Insured dies during the policy year, the Company will calculate the premiums based on a full year premium.
Important Conditions of AIA Term 85 (Non Par)
- The Insured may cancel the policy within fifteen (15) days after receiving the policy. The premium will be refunded less health checkup expense and management fee of 500 baht. In case of e-policy, the premium will be refunded in full. However, if the Insured has already submitted the claim, and the Company endorses such reimbursement, the Insured will not be able to cancel this policy.
- The Insured has the right to cancel the policy when the policy is effective and has surrender value as stated in the policy conditions.
- The Company will not cover the following cases:
3.1 Void a Contract where certain facts have been concealed, or a false statement has been given. The Company shall not contest or object to the invalidity of the policy contract after it has been in effect while the Insured is still alive for two (2) years or more from the Policy effective date, or, in the case of reinstatement, from the effective date of the Policy last reinstatement, or, in cases where the sum assured has been increased, from the day the Company approves such increase in the sum assured, but only with respect to the increased sum assured, except where the Insured has no insurable interest, or where the age of the Insured declared is not true, and their true age is beyond the premium rate limit according to normal business practice.
3.2 The Insured commits suicide within 1 year from the effective date of the Policy, or the effective date of the last reinstatement, or from the day the Company approves an increase in the sum assured, but only with respect to the sum assured that has been increased, or if the Insured is murdered by a beneficiary.
Waiting Period of AIA e-Smart Health Rider
- Any illnesses occurring within 30 days following the date on which this rider is issued or reinstated, whichever is later.
- Any of the following illnesses occurring within 120 days following the date on which this rider is issued or reinstated, whichever is later for the following illnesses all types of Hernia, Pterygium or Cataract, Tonsillectomy or adenoidectomy and Endometriosis.
Some exclusions of AIA e-Smart Health Rider
- Conditions resulting from congenital disorders or incomplete organ forming system in the body, or genetic disorders or physical development abnormalities, unless this rider has been effective for one year or more and the symptom occurs after the Insured is fully 16 years old.
- The Insured is under surgical or other treatment for the purposes of cosmetic, skincare, acne, melasma, freckle, dandruff, hair loss or weight loss, or an optional surgery; however, cosmetic surgery to address wounds suffered from an accident that took place during the policy contract will be covered.
- Pregnancy, miscarriage, abortion, delivering a child, complications of pregnancy, infertility issues (including investigation and treatment), sterilization or birth control except choriocarcinoma.
- Examination and treatment or prevention of ageing by using drugs or substances, delivery of hormone replacements for pre-menopausal or menopausal women, treatment of infertility in men and women, treatment of sexual abnormalities and gender transformation.
- Standard health examination, inpatient hospitalization request or surgery request, recovery after hospitalization whether for rehabilitation or resting or staying in hospital to get medical assistance, examination or treatment which is non-related to an illness which is a cause of hospitalization, injury or illness diagnosis, treatment or examination to investigate cause of disease which is not a medical necessity or does not meet
Requirements
- Insurable age*: 20 - 60 years
- Coverage period*: Until the age of 85
- Premium payment period: Until the age of 85
- Coverage plan
|
Insurance Plan |
Plan 1 |
Plan 2 |
|
1. AIA Term 85 (Non Par) |
80,000 baht |
80,000 baht |
|
2. AIA e-Smart Health Rider |
30,000 baht |
60,000 baht |
(1 policy per person excluding other inforce policy)
- Payment mode: Annually / Monthly
- No medical examination, only answer short health questions
Premium rates
Standard annual insurance premium for 20-60 year of age (depending on gender, age, payment mode and insurance plan)
|
Gender |
Annual Premium (baht) |
|
|
Plan 1 |
Plan 2 |
|
|
Female |
7,082.40 - 11,982.40 |
11,572.40 - 17,132.40 |
|
Male |
5,704.40 - 11,786.40 |
9,024.40- 17,436.40 |
How to apply
To apply for Be Together for Health via mobile banking, click “Apply” in below tab and select “Insurance” or contact Bangkok Bank branches or call 1333 or AIA Company Limited Tel. 0 2353 8855 Website www.aia.co.th
Assured by AIA Company Limited
Notes
- Be Together For Health is the marketing name of AIA Term 85 (Non Par) combined with the AIA e-Smart Health rider.
- Life insurance premium is tax-deductible up to 100,000 baht, according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 172). An eligible portion of a health insurance premium is tax-deductible up to 25,000 baht, according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 383). When combined with life insurance premiums this must not exceed 100,000 baht in total.
- Life insurance is not a bank deposit. If you terminate your policy early, you may receive returns less than the paid premiums, subject to the time of policy termination.
- The applicant is advised to study the details and product information in the sales material before deciding to buy insurance. After receiving the policy, the Insured is advised to study the terms and conditions in the policy contract.
- Bangkok Bank is a life insurance broker, acting as an agent between customers and AIA Company Limited. AIA Company Limited conditions apply to insurance approval.
- A health declaration is one of the factors considered in the policy approval or payout approval process.
- The applicant has the duty to provide true information in applying for insurance. Any concealment of truth or declaration of false statements may cause the insurance company to cancel the insurance contract or refuse to pay the claims under the insurance contract.
- Terms and conditions of coverage will be specified in the policy issued to the policyholder.
- The English version is unofficial translation of the original Thai version for reference only and has no legal binding as the protective control.
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